The Covenant
In
summary, to characterize this book, the reader will find a collection of
essays by various authors. Hence the title Covenant. The narrative of
each essay carries a noticeable collection of data points that are on
many occasions not wholly relevant to the theme or case being made. In
many cases the facts are not related to each other. And often times the
statistical argument finds narrow groups of data conveniently merged
with wider groups of data that is marginally related, only to exacerbate
or distort the case being made. The second trait found in the book is
that while almost every essay finds a solution in the NPO sector, the
essay’s author leans hard into and demands for government action. And
finally hiding behind these two flaws is too often the truth. That
truth beholds the differences and the disparity across color in our
society and most importantly the sameness. Unfortunately that truth
does not come out in this book. When a Covenant is made with we the
people, regardless of race, the solution will not have to be solved. We
will awaken to it.
The structure of each essay is the
same. Each chapter begins with an introduction on the theme, from
urban renewal to rural roots and all points in between. Each essay then
follows with a fact check and a section on what works. In every
chapter Non Profit Organizations are at the center of what works.
Unfortunately this section is always the thinnest section with the
smallest voice. There are many examples of cooperatives and
institutions dedicated to the improvement of Black America. When I got
to the Rural Root section what was described was a fate that crossed the
color barrier. Yet the organizations were for African Americans. I
asked myself if a white person could and seek the benefit of the
institution. Or would there exist an institutional barrier of
discrimination within that organization? And would there be a loud cry
in lame stream media and white pundits playing a race card.?
While
many of the essays, have an overtone of militant demands to fix a
society that has wronged them, the most militant chapter in the book is
accessing Good Jobs, Wealth, and Economic Prosperity. It is all about
entitlements and speaks directly to the Democrat Party platforms which
happen to be at the root of our economic collapse; Bill Clinton’s
Affordable Housing Act. We are not a country of a government brought
here to serve the people. We are a government of the people and by the
people. Alexander de Tocqueville, French political thinker of the the
mid 19th century, said it best about America’s values. We are a people
of great society, in the vision of our Founding Fathers. Not the vision
of Lyndon B. Johnson. It is through the philanthropy of the American
people that makes this country great. I do not mean the philanthropy
characterized in the movie The Help. In doing extensive work with the
American Red Cross, I know first hand about philanthropy. I know the
feeling you get when you make eye contact with the person you are giving
to. I also appreciate that on average seventy-five to ninety-two
percent of the dollars donated to NPO’s go towards the cause, as opposed
to the seven to twenty percent performance found in our government.
Philanthropy is the number two industry in America. Few people know
this. The Catholic Church is the number two non-profit in the United
States. Fewer people know this. Bill Clinton is very involved in
non-profit work and has done infinitely more for man-kind since he left
the office of President of the United States than all of his public
offices put together. Read his book Giving. And then think this
Covenant thing through again.
This book has it wrong.
The essay themes are worth a real good look. While I struggled with
almost every statistical argument, the theme was worth a look. And I am
sure where there is smoke there is fire. But when the solution is
laced with a black-v-white narrative, there can be no solution. I draw
from the movie V for Vendetta for a closing analogy. I propose that
‘We’ remove the vendetta. Round out the sharp corner at the bottom of
the V. Render that ‘V’ a ‘U’ for Unity. I propose these authors make
that paradigm shift and re-write this book.
Below is my interactive dialogue with the authors of each essay.
Securing the Right to Healthcare (Clearly the Obamacare agenda)
Page 12:
The author advocates a check list of things the individual can do to
live a healthy life. Most of all "hold all leaders and officials
responsible and demand that they change current policy.
My comment:
First the last item is incoherent and inconsistent with the rest of the
list. It is a militant demand on those not responsible for healthy
living habits.
Page 13: Myser Keels, a leader
of and spokesperson for The Affordable Housing Coalition, which includes
churches and community groups, said,”We've been waiting too long to get
the city to bring in a big store, ... The coalition ... Demanded that
the Fresno City council set aside money for it's $11 million Community
Development Block Grant to build a shopping center in their community,"
My comment: Couldn't a business case with Kroger have been a more streamline approach? The author does not explore this possibility.
Page 14: Over 50% of the children [in Fayette County Public Schools are on free or reduced plan at 21 of the districts schools.
My comment:
While I marvel at the staggering number on the dole, I also look at
yet another misuse of statistical picture painting. An early trend set
in this book. They start with black and then say persons of color which
would then include Latinos and Asians. To further impede my
acquiescence to the case made in this essay, I hold out the Travon
Martain case, where the media and Black Figureheads (Jessie Jackson and
Al Sharpton) actually call the shooter a “white Latino.” A person loses
his sense of empathy when there is a strong tendency to skew the facts.
Page 15:
The Bucket Brigade story that tells of a community banning together
with the assistance of a NPO to prove the local manufacturers polluted
their air. It resulted in government action against polluters in
industry. This is clearly a case where the Black Community where
clearly victims.
My comment: I feel for their
suffering and stand behind the call for corrective action. However
there is one thing I find in corporate America and that is they are not
colored blind. They do not prejudice against blacks, or anyone else.
They only prejudice for green…money.
Page 18:
To aid in preventing these diseases, city planners must improve the
design and construction standards in new public and state-assisted
housing to improve ventilation and reduce the likelihood of mold
problems.
My comment: I agree, but do not see it as solely a black problem.
Page 19: [the medical field] broader train healthcare professionals to treat patients from different backgrounds.
My comment:
I am white my doctor is Indian, and I prefer Indian doctors. They have
no issues in communication with me. Oddly enough Indians, do not have
white skin. Why would there be an issue with black Americans and white
doctors ... Or Indian doctors? If this unsubstantiated rationale
prevailed, then it would be a building block for the next argument to
make special provisions for more black doctors.
Establishing a System of Public Education
Page 30:
A national effort at affirmative development to complement continuing
efforts at affirmative action should be much broader than the
initiatives directed at improving the effectiveness of education....We
propose to embark upon a deliberate effort to develop academic abilities
in a broad range of students who have a history of being resourced
deprived and who as a consequence are under represented in the pool of
academically high achieving students.
My comment:
The prelude to this paragraph presents a hodge-podge of inconsistent
stats. It starts with stats on blacks and adds them to people of color
to exaggerate the problem statement as it the presents nothing more than
broader and deeper affirmative action. I feel there may be validity in
the problem statement, but the prelude diminishes the credibility.
Following the actions taken by Condoleezza Rice as Provost of Stanford I
therefore would have hoped for a solution that was more organically
borne from within the black community.
Page 35: The Harlem Children’s Zone is one of the largest community based programs devoted to learning in and out of school.
My comment: This
is a NPO program that serves 70,000 kinds I. Harlem. It comes under
the section titled what is working. Yet the author on page 39 reverts
back to advocating federal government spending and provisioning of early
childhood schools.
Page 39: In order to
level the playing field from day one, early childhood development must
be a basic right of all children, just as elementary, junior, and high
schools are.
My comment: First, it is not a
basic right fir anyone to get an education. There is a mandate to be
educated. Second, the States educate their children, not the Federal
Government.
Page 40: It is unacceptable for
children to be left behind academically; we must find and offer whatever
resources are needed to help them learn and progress on par with
children their age
My comment: Much is said by
our educators about GW Bush's No Child Left Behind Act. What the
schools did to the children is teach to a standard. That simple
standard is "par". Bush left it to the schools to "find whatever
resources.” To meet that goal. Unfortunately I feel the
administrations forced a focus on the testing and lost site of the
teaching. Apparently unless mandated the education administrators
cannot chart their own course to other resources. I don’t fault the
teachers…I take direct aim on the administrators.
Correcting the System of Unequal Justice
Page 62:
Laws such as "Three Strikes" lead to individuals serving a life
sentence if convicted of theft for sterling a slice of pizza. ... If a
criminal law is to be effective, the punishment must fit the crime
My comment: I'll be sure to recheck where that is included in our Bill of Rights.
Page 64:
it is equally important for the government to fund projects that reach
put to youth before they are incarcerated including after school
programs, organized mentoring opportunities, and initiatives that
provide juveniles in inner cities a with esteem building skills and
alternatives to criminal activity.
My comment:
If the Harlem Project previously mentioned is so successful shouldn't we
model after that before we seek government funding? While I agree,
that inner city people need help, why when NPO’s are much more efficient
would te author of this essay not reach in that direction instead?
What can be done to turn up the volume on NPO engagement?
Page 66:
If we encourage and help children in our families and neighborhoods to
do well in school, participate in safe engage able activities, and if we
hold our elected officials responsible for the rehabilitation and
successful re-entry of all ex felons back into our
communities, then we can start to correct the system of unequal justice.
My comment:
While generally agreeing with the goals, I find on many levels
contradiction in the definition of the problem, specifically as it
proposed the solution. It seems that counting on community NPO's for
prevention and then falling back on the government for re-entry as a
spending that policy that not only is a day late and a dollar short, but
in practice in order to get government help, you must first commit a
crime of which therefore Entitles you to government funds.
Ensuring Broad Access to Affordable Neighborhoods
Page 101:
in the United States, where you live literally determines access to
opportunity. Your address dictates whether you will have access to good
schools and jobs, grocery stores, parks and other neighborhood
communities. The availability of affordable housing in neighborhoods of
rich opportunity, therefore, has become the next
battle ground in the fight for black people to fully participate and thrive.
My comment:
Where was the battle cry for the white folks living in rural back
waters fro the beginning of out nation and thru to today? I have to
throw that up for question against the canvas for which the comment was
made. That canvass painted the picture of the vacuum left behind by
urban sprawl and cities in decline. While I appreciate the problem,
this is not a 'black' issue alone. This is a problem equally contributed
to by all people and until words like battleground are removed from the
dialogue, no solution is at hand. These contributing essay authors
draw too close a parallel line to the Israeli-
Palestinian divide.
Page 101:
Equally important is access to public transit. Proportionately black
people are less likely to own cars and much more dependent on public
transit than whites. Plus because so many new jobs are on suburban
communities, black people must rely on public transit to get to these
jobs. Fair and equitable transportation strategies could effectively
link African Americans to opportunity throughout the region. But most
transpiration spending goes to support continued sprawl by building more
and more highways, not increasing public transit such bas buses, light
rail, and subways.
My comment: While I agree in
principle this is not a black-white issue and the solution is two fold.
First is make the city core vibrant again Mike Illich in Detroit is
doing a lot in that effort. Second public transportation would reduce
America's dependency on foreign oil. Urban renewal would change the
strategy for a public transit system and the Illich strategy should be
expanded upon by more enterprising people. What stops them? Here is a
clue: I was at an inner city street fair in Cincinnati. It was in a
black district
called Over the Rhine. I said to one of the
venders “this goes a long way towards urban renewal.". He said “I have
been coming here for the last ten years and it's a losing proposition
every year". He went on to say of his merchandise, all my profit is
stolen right under his nose." Until blacks address the "white flight"
syndrome, there is no policy change that will turn the quality of life
for blacks around.
Page 108: Public transit is
often an under utilized asset in African American communities and
low-income communities. By tying housing and other community services,
it can link up opportunity and increase mobility.
My comment:
This contradicts every thing else written in this book on public
transportation. Everywhere else it is written that we need to invest in
to public transport because the black community is so far under served.
Now here the slippery slope begins in a dialogue on linking the train
station to other community services. Regardless of the contradiction
the slippery slope is not stepped upon because the whole project Bethel
New Life is a private faith based organization.
Page 112:
land use laws that require large lot sizes, or large square foot
single-family houses drive up the cost, raising the bar too high for
low-cost multi family developments.
States can enact
fare-share housing policies that require every jurisdiction to plan for
and build a portion of their housing to serve low- and modest income
families.
My comment: I think it is
appropriate for every jurisdiction to zone for housing of a blended
variety. A blended community makes for a strong community. However, we
need to leave it to private industry and non-profit works to build the
housing. The State usually does a poor job at this and the result is an
entitled neighborhood prone for crime. Entitled people don't seek
work. Idle time is the devils work shop.
Page 114:
Owning homes is how most Americans build wealth... Local, state, and
federal leaders can systematically increase ownership for African
Americans by creating housing capital pools that affirmatively market to
underrepresented communities that offer mortgage subsidy, down payment
assistance and credit counseling.
My comment:
This comes under the heading called Affordable Housing Act. The most
destructive act Bill Clinton passed. While well intended, like Bush's
No Child Left Behind, the AHA is the card that caused the collapse of
cards in 2008. Freddie, Fannie, and Barney forced high risk balloon
loans. This hyped the real estate markets. At the time as a Series 6
& 7 Financial Adviser I was doing what was essentially pro-Bono
work for financially stressed low income families. Here is what I dealt
with. The pitch by realtors was “don't worry about the balloon, the
prices are going up so fast, you'll be flipping this house for a larger
one before it comes due. You can use the profit on the next one to
purchase a conventional mortgage.” And the banks were all too ready to
lend the savings for a short term reduced mortgage payment rate to lend
them money to buy a new boat at higher interest rates. Based on that
‘card’, Wall Street turned a blind eye to the people's business acumen
to execute on that plan. Then this group of entire people, unqualified
under previous standards, went out and bought new cars and boats and
they ran up credit cards. Then they defaulted leaving the leveraged
paper on Wall Street worthless. So I call this entitlement plan a bad
plan. What was thought good for to poor an middle class was actually
devastating to the whole world. And folks the majority of the people I
was doing work for were white.
Page 118: The
historic West Oakland African Community paired non profit developers and
low-income housing tax credit to build hundreds of new apartments and
affordable condominiums near the light rail station that is one stop
from downtown San Francisco.
My comment: The
one good remedy using the existing system to bring about positive change
in this chapter called Ensuring Broad Access to Affordable
Neighborhoods.
Claiming Our Democracy (I must remind the reader that we are a Republic)
Page 133:
Less than two weeks before Election Day 2005, a court decision was up
held that blocked a controversial state law from taking effect that
would have dramatically restricted the types of photo identification
that may be used when voting. Thus African Americans were allowed to
vote with a range of IDs.
My comment: Why can't
we go a step further? Let's utilize the State's DMV branches to issue
Voter ID cards to those who do not drive, but wish to vote. Therefore
the State is doing the auditing of the person's ID.
Accessing Good Jobs, Wealth and Economic Prosperity
Page 165:
as painful images of Hurricane Katrina have revealed, there remains a
significant wealth gap between blacks and whites in this nation - one
that must be closed if America is to thrive in the 21st century.
My comment:
While Katrina exposed what is wrong in New Orleans, it was flooding,
poor engineering, and incompetent government at city and State level.
And yes there is a wealth gap. But I propose the author of this essay
read both the Virtue of Prosperity and the Israel Test. I must challenge
this notion that Barak Obama has not divided America with his rhetoric
of rich –v-poor and then separately he inserts himself into local black
white issues as he did in Boston. The Obama and company conveniently
reach back to the paradigm of the 60s and 70s and wrongly connect it to
black white issues of 50 years later. First there is nothing wrong with
the gap. There will always be a gap. The gap is not caused solely by
corrupt collusion of rich white people. Since there are rich black
people one cannot even say it is a color gap.
Page 167:
After the last recession, when white families saw there wealth grow
slowly black families lost a fourth of theirs. When white families rode
out the bumps in the stock market, black families saw their stock and
mutual funds decline by an astounding two-thirds.
My comment:
REALLY?!!!!! This author is basing his argument on a stock market
conspiracy?!!!! The rising and lowering tide of the stock market
adjusts the level of all boats mutually. The solution is not found in
Obama's agenda. Nor is the solution based on the word 'fair' being
shouted out by the Occupy Wall Street protests
Page 171:
African Americans are 3.6 times more likely as whites to receive a
home purchase loan from a sub-prime lender and 4.1 times as likely as
whites to receive a refinance loan from sub-prime lenders. Sub-prime
lending is usually one to six points over prime rate and is reserved for
lending businesses that do not qualify for 'prime rates'.
My comment:
The last sentence is exactly the deal Clinton cut with the banks when
he passed the Affordable Housing Act. He forced banks to qualify what
people who, by convention numbers practice, much like how Morningstar
rates countries credit rating, for mortgages. The banks were allowed to
offset the high risk that comes with unqualified lending with points to
cover the risk. Those points were paid by the people that can't afford
it. Jimmy Carter passed a similar law with regard to pensions. Obama's
legacy is the infamous Obamacare. All three are Democrats. This
agenda is prone to passing dramatic law aimed at social equality with
its implementation left to Administrative Law. We saw what Freddie and
Fannie can do. We are already feeling the negative impact of Obamacare
in its nascent stages. Jimmy Carter's 401k plan is about to rear it's
ugly head. All three programs force a program on a society that was not
prepared for the change.
Page 173: [the whole
Farrah Grey story is the one path to social equality]. He took no
hand-outs; he was at the same time entrepreneurial and philanthropic.
He was a good steward if money. And what went around came around.]
Page 177:
The homeownership gap can be closed by lowering down payment
requirements and making mortgages more available and affordable to all.
Government officials must strengthen the Community Reinvestment Act
(CRA, 1977, Jimmy Carter), a civil rights law prohibiting discrimination
by banks against low-and moderate neighborhoods.
My comment: see my comment to page 171 above.
Closing the Racial Digital Divide
Page 216:
So how in the span of 30 years, did the United States go from being an
unchallenged technology leader to a nation falling behind in
innovation. And second what does that mean for African Americans?
One
explanation seems obvious. Many business leaders have under estimated
the impact that personal computers would have in the hands of millions
and the speed of change to follow.
My comment:
The theme of this chapter is giving the Black Community more access to
PCs and the Internet. While I like the idea and am inspired to open an
Internet Cafe in the Over the Rhine Neighborhood in Cincinnati, I would
do it to study what fruit unstructured Internet and usage would bear. I
say that because of the myth the author creates that China and India
are passing us up. What the author fails to point out is India and China
are faced with a higher poverty gap who don't have PCs either. If
indeed they even are out innovating the United States, which is
debatable, access to PCs is an irrational leap in cause and effect
analysis.